Your comment: “The only problem with this perspective is that ANYTHING added to faith is no longer faith in the object of Christ on the Cross.”
I disagree. So you are saying that our faith in Christ should not grow through love of God and neighbor through charity and good works?
Your comment: “EVERY sin has been judged.”
God has told us that there will be a judgement day.
But we still have free will, and we can still turn our backs on God and fall from grace, to use St. Pauls phrase (Galatians 5:4).
St. Paul is very clear about the possibility of us committing mortal sin. He tells us: Do not be deceived; neither the immoral, nor idolaters, nor adulterers, nor homosexuals, nor thieves, nor the greedy, nor drunkards, nor revilers, nor robbers will inherit the kingdom of God (1 Corinthians 6:9-10).
Why do you twist what scripture says?
Galatians 5:4 You have been severed from Christ, you who are seeking to be justified by law; you have fallen from grace.
Your statement "we can still turn our backs on God" is NOT in that verse. Nor is it what the verse says is falling from grace. Hasn't your entire premise been that we need to follow "laws" of work to be justified? "you who seek to be justified by law".